How to correct an error in your driving record?
Although information is normally recorded correctly, errors can be found in reports that result in a driving record, such as the Comprehensive Loss Underwriting Exchange (CLUE) report and the Motor Vehicle Record (MVR). If that's the case for you, read on. In this article we will explain in detail how to fix an error on your driving record.
These mistakes, while not very common, can cost you thousands of dollars when they go unnoticed or are not fixed. Therefore, if you disagree with the information that appears in your driving record, The first thing to do is to find out if it is an error so that you can correct it as quickly as possible.
Before starting your investigation, it will be very helpful to know the differences between these two types of reports that we have mentioned. When you compare them, you will notice that the main difference between them is that the MRV ratio places more emphasis on the driver, while the CLUE ratio focuses on a specific vehicle.
Let's now take a look at the process you need to go through to fix errors on your driving record.
How can I check my driving record?
- How to correct a mistake in your driving record?
- How to fix an error on your driving record: frequently asked questions
How to correct a mistake in your driving record?
If you have requested a copy of your driving license and have encountered an error, you must follow the correct procedure to correct it, depending on the report in which it was generated, MVR or CLUE.
IMPORTANT: If an IUD appears on your driving record, you should first find out if there is a possibility of clearing this record in your state. However, it is important to know that if you already have several IUD recordings, it is virtually impossible for them to remove it.
How long does a DUI last in your record?
How to remove a quote from the MVR report
Note that both the information and the report itself are handled by the motor vehicle department in your state.. This means that you must go to the corresponding state agency to initiate the claim.
The process to follow usually varies by state. For example, in California you need to use the module DL207 Report of Improper Record, or the DL207A Report of Improper Driver Record form, both available online.
Another option for making a claim is through the insurance department of your state There you can file your complaint to start the process so that the error is investigated and corrected.
Note that if the error is not obvious, the process of removing it can be slow. Remember these are government agencies and it's best to be patient and kind to all the people you need. Preferably, perform these procedures early in the morning, between Tuesday and Thursday.
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How to remove a CLUE report error
To request corrections in the CLUE, the most recommended option is to contact LexisNexisa major company collecting data for this report.
The first step will be to open a dispute and LexisNexis will contact the insurance company explaining your side of the story. If the insurance company recognizes that the disputed information appears incorrectly in your report, LexisNexis will remove it. Otherwise, the information will remain in your record.
You can contact LexisNexis in three ways, in person, by phone or by email.
- Physical address: Write to the company at LexisNexis Consumer Center, ATTN: FACT Act Dispute Request, PO Box 105295, Atlanta, GA, 30348-5295
- Telephone: 888-497-0011 8 a.m. to 7 p.m. ET
- E-mail: consumer.documents@LexisNexis.com
To initiate a formal dispute you will need the following information:
- CLUE report reference number
- Insurance company application number
- Name of the insurance company associated with the claim you want to explain or dispute
- A brief description of the facts, as you understand them
Prepare a letter of experience "(LOE)
An LOE or letter of experience is a document prepared by the insurer that you had in effect during the time period in which your error appeared. This letter states that he did not have an accident (or at least that particular accident) during the policy period in question.
This letter is very helpful if you need to troubleshoot any errors in driving reports. To obtain it, it is necessary to call or write to the insurer or agent and request the LOE corresponding to the period of validity of the policy in which the accident is declared. They will know what it is.
The experience letter contains the following information:
- Details of the insured vehicle.
- Information on who is indicated in the insurance policy. This is usually the registered owner of the car, but can also include other people's names if there are multiple insured drivers in the car.
- The date of entry into force and termination of the insurance
- The policy number
- Claims against the policy, any claims paid during the insurance period with details of the cause of the claim and how much was paid.
- Information on the reason for terminating the policy. For example, if it was canceled for non-payment or if you owe money for insurance premiums.
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How to fix an error on your driving record: frequently asked questions
Is an accident that was not my fault and that appears in the report a mistake?
A common mistake made by policyholders is to believe that a no-fault accident will not show up in their reports. It is not so. Your CLUE report will show the incident regardless of whether it was your fault or not.
Indeed, your insurer will likely increase your insurance premium for being involved in an accident caused by another driver and paid for by his or her insurance company. The reason is that you can understand that you have some degree of responsibility in the accident from the moment you are involved in it.
Keep in mind that each state will handle your situation in a no-fault accident in different ways. For this, there are two concepts at play. One is "comparative negligence" and the other is "contributory negligence". In the first, you may have been negligent and that may have contributed to the accident.
For example, someone may have sped up and hit you from behind, but you may have been partially negligent in not signaling your turn to the grocery store. Otherwise, the fast driver did not have enough time to brake. In this case, the insurer will deem you partially at fault and will apply a premium increase.
An example of a concourse of negligence would be briefly crossing the center line of traffic and consequently being run over by a drunk driver. Although the drunk driver is responsible and should pay for it, you technically contributed to the accident by making a simple mistake.
Why do these errors occur and how often do they occur?
At the moment, There are no concrete statistics known showing how often errors occur in these reports, but they certainly do. According to some insurance agents, mistakes don't happen too often. However, this will not be of any consolation to you if you are reading this post.
You can assume that the error was human or related to technology. The information contained in these reports is entered by a person on a computer and we humans make mistakes every day. Finally, remember that there are millions of compensation claims every year, and it's no wonder that mistakes like these happen from time to time.
What is the difference between an MRV report and a CLUE report?
The key difference between an MRV report and a CLUE report is that the former places more emphasis on the driver, while the latter focuses on a particular vehicle.
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